if I want to record tv, what are my options? I'll have comcast service. I can rent a dvr box for $15 a month thru comcast, or i can buy a tivo box ($50-$100) and pay $12 a month for the service. I know there are other models of dvrs, but do they allow the same onscreen programming as tivo? I'm just kinda confused to what my options are - do I have to do tivo or comcast dvr, or can I buy something that will record tv (ala a VCR) without me having to subscribe to a "service". I see dvrs for sale at best buy but i'm not quite sure how they work. . Any help is appreciated.

No, though it's better to use LSAC because many schools like to receive everything at one time. Sending things from different places can slow things down.

Oh I am going to use lsac...I planned on having the Career office send the letters to lsac...I was just wondering if LSACs specific form was necessary

I had my recommenders write 2 copies of my letters. One copy went to LSAC and one went to my school's LOR file service. You have the right idea - it is so convenient to have LORs on file, they will be invaluable later on when you apply for scholarships. LORs are what keep people from applying to scholarships on tight deadlines, so you'll have a leg up there.

I wish I could live at home and didn't have "stay fly" addiction so that I could save more money I guess I like my money right where I can see it - hanging in my closet.

Set a reasonable budget and stick to it.

I find it easier to do the opposite. Decide how much you're going to save (whatever works for your lifestyle), transfer it to another account every payday and act like it never existed. I've occaisionally had to dip into it (like when I got my wisdom teeth removed in February. For all those who still live at home, do any major medical procedures NOW), but for the most part I've been able to save.

And as any of my friends can tell you, I like my shopping!

I agree. I find it much easier to save when the money isnt staring me in the face. Once I have a little egg going, I find that I'm really relucant to touch it.

Since I haven't yet started a paying job, I'm not as versed on the subject as I will be. But I fully intend to contribute the maximum amount to whatever it is that caps the amount you can contribute (401k?).

Thats the thing tho...you really need to be saving more than that if you want to ensure a comfortable retirement.

Yes, I know. My parents have always been big savers (my dad is retired and living comfortably), and they passed that on to me. But it's also not just about savings (in the traditional sense). Investments are equally (or more) important.

right, what im saying is that you need to be putting aside more money than just what goes into your 401K. that's really like the bare minimum. of course you have to invest the money, you cant just leave it under the mattress.

Since I haven't yet started a paying job, I'm not as versed on the subject as I will be. But I fully intend to contribute the maximum amount to whatever it is that caps the amount you can contribute (401k?).

Thats the thing tho...you really need to be saving more than that if you want to ensure a comfortable retirement.